Focus car 3 • 15: Revelation vehicle replacement experts large traps 13

The past two years become a vehicle replacement auto market hot. Some brands sell to consumers often shop sales consultants will hear this recommendation: "As long as you will own the replacement of old vehicles to our shop, and added that money can buy Zheliang new car." Relevant data, 2007 Beijing, 36 percent of consumers prepared to change or to buy second-hand cars.

With the rise of replacement business, various problems have begun to appear. Owners have reflected the second half of 2006, a 4 S stores held offers, the owners would like to change the hands of the Xiali, a new car, Jiang Jukai valuation to the shop. Beyond the car owners expected that the assessment of the division only out of the purchase price of 4,000 yuan. And afterwards, Jiang Jukai owners of old vehicles to a trading market is the price to 8,300 yuan turnover.

It is understood that the domestic mainstream brands 4 S stores, such as FAW-Volkswagen, FAW Toyota, Dongfeng Nissan, and so have launched a replacement business. But compared to a single car or selling cars, automotive replacement process should be more complicated, "a small amount of money spent Mailiang new car," the slogan of many owners it echocardiography, but not regular consumers if the sales of stores Replacement car, slightly Buliu Shen, vehicle replacement in the old process of a new, one of a Progressive, and they may fall into the trap on a Buliu Shen. For example, by lowering prices, subsidies cost more than expected, the marketing name of the "preferential car" - these people Fangbushengfang.

Insiders said that the current replacement in the course of the many issues on the one hand because the current flawed system of assessment of used cars, foreign used cars in evaluating agencies identified by a third party, but the acquisition of domestic cars is the main brand stores And the old market, which is due to the interests of one party, there will be lower in price, which many controlled by the intermediary agencies, the procedures may be inadequate. On the other hand, replacement of old vehicles in a number of shops in the operation of the lack of transparency, some people fish in troubled waters.

In fact, except for the operators to strengthen the norms, consumers decided to carry out replacement of old vehicles should also be studying the replacement of related knowledge, master certain skills, so as to avoid their hoodwinked. For example, replacement before understanding the acquisition market, understand the shop replacement for information, find knowledgeable friend to do the consultants, these can effectively avoid unscrupulous traders of deception. Because how to safeguard their own rights, the key is your own hands. To this end, we produced a "special planning 3 15" feature, the replacement of old vehicles to consumers revealed in the 13 issues, which trap 1 to 4 for old problems in the assessment process, five to 13 traps in the purchase of new In the course of cars.

Car loan information for car buyers

First, car notes

At present, the automobile consumption credit business and can not be widely carried out. Sales of motor vehicles and general business compared to only apply to China's small number of reputable, but lack the purchasing power of the one-time payment, so it is necessary to the organizer (dealers, banks, insurance sector) and meticulous work well in the pre-publicity for Advisory, provide a "car notes."

The notes include: business overview, the purchaser should have the conditions and provide the necessary information, operational processes and attention to matters.

(Uses) for the consultation and publicity.

Automobile consumption credit car notes

× × from banks, × × enterprises, × × insurance company launched the latest model cars consumer credit, and to the people's life, processing simple and efficient, reasonable cost, we are all the trouble to resolve. Please put your car in the application prior to carefully read this <>.

(A) car:

Not less than prepaid customers cars ×% of the funds, the balance to the banks for a maximum of × in the special fund loans, loan guarantees provided by the dealer.

(B) loan by the purchaser with the conditions:

1. × with the city × × × urban areas accounts, fixed residence.

2.25 ~ 60 years of age between individuals.

3. Loans were authorized to provide the pledge, mortgage or third party guarantees.

4. To have a stable job, stable income, with arranging to pay the principal and interest of the ability of the car.

5. Willing to accept the loans were deemed necessary by other conditions.

(C) car loans should the information provided:

1. I ID 2. Account of the three. Driving documents 4. Shelter to live 5. 2 inch-sized photographs 6. Income, the Labour proved 7. Berth parking permits

Notes: 1. Information required by the original and three copies of

2. Co-purchaser and the guarantor should also provide information on people in the car of the 1,2,4,6

(4) operational procedures:

To the point at retail outlets consulting and advisory

Will pay the information provided by dealers of First Instance

Selected models, and distributors signed <>

The first payment will be deposited into the designated account, to submit to the bank (for automobile consumption loans)

By <>, directly to the banks arranging the return of principal and interest of loans

Procedures for vehicle dealers and home delivery vehicles

For insurance, mortgage registration, notarization, and other procedures

Bank accepted, approved and signed <>

(5) Other matters:

1. Vehicle insurance should be designated for the insurance company, the insurance is a necessary: Jusun Xian, third party liability insurance, emergency funding, excluding Mianpei insurance and hire-purchase credit insurance or guarantee insurance.

2. Notarized by the cost of buying and selling of mutual commitment to a half.

3. Purchase loans were still fixed, will pay a guarantee fee. Standard rates to its base loan amount, one-year 1 percent, 2 percent of 2002, the three-year 3 per cent.

4. Implemented through-train service, but for vehicles of all households who bear the cost by car, the user still needs to pay agent fees × yuan each. <> required for their users.